A growing share of people in Germany are struggling to put money aside. A new survey conducted for financial services provider Revolut shows that 35% of respondents have no disposable income left once essential bills are paid. For many, saving has become a luxury, not a routine habit.
With budgets stretched thin, emergency funds are the primary focus: around 30% say the only reason they manage to save at all is to prepare for unexpected situations such as job insecurity, illness, or sudden expenses.
Financial fears overshadow travel and wellbeing
Economic anxiety also follows people beyond their daily lives. Nearly one in five Germans (18%) worry about running into financial trouble while traveling — particularly medical emergencies abroad that insurance might not fully cover.
The survey indicates a deeper emotional component behind saving: 52% say they save mainly to gain peace of mind and a sense of security, rather than to grow wealth or chase attractive investment returns.
Social pressure adds to money stress
Expenses linked to weddings, birthdays or public celebrations put additional strain on wallets. More than one in five (22%) feel pressured to spend more than they can afford in such situations — fearing judgment or social exclusion.
The holiday season, typically associated with higher consumption, brings little relief. 68% of respondents say they plan to reduce spending during Black Friday sales or Christmas this year, while 21% aim to spend nothing at all.
Short-term happiness versus long-term dreams
The survey highlights a shift in priorities. 18% of participants admit they choose immediate pleasures over long-term goals — a clear reflection of how difficult it has become to maintain hope for the future.
Even more striking: 11% believe they will never be able to save consistently for major milestones such as owning a home. For many, these goals feel increasingly out of reach.
How the survey was conducted
The insights come from online polls carried out by the market research firm Dynata on behalf of Revolut. Data was collected among 20,000 adults aged 18 and over in June 2025 and the second half of 2024 across multiple European markets, including Germany.
